Rates and Fees

Loan Rates

Effective January 1, 2026.

(Maximum term for 2023 is 72 months)

Cars, Trucks, Vans, Motorcycles & Motor Homes Term Rates as low as *
2023 – 2026 New & Used – ($25,000 min)

48 months, 60 months, 72 months,
84 months (for ’24-’26)

 

 

 

 

 

 

 4.50%, 4.75%, 5.00%, 5.50%
2022-2020 48 months, 60 months, 72 months 5.25%, 5.50%, 6.25%
2019-2017 48 months, 60 months 5.75%, 7.00%
2016 & Older 48 months, 60 months 6.50%, 6.75%
Watercrafts/Campers Term Rates as low as *
2026-2023 60 months, 66 months 5.50%, 6.00%
2022-2021 60 months, 66 months 6.50%, 7.00%
2020-2015 36 months, 48 months 6.50%, 7.00%
Secured Term Rates as low as *
Share & Certificate Pledged Loans Available upon request 1.00%
Miscellaneous 36 mo ($0-$2,500), 60 mo ($2,501 +) 8.40%
Personal Loans Term Rates as low as *
Visa Credit Card -, – 7.90%, 9.90%
Personal Line of Credit (Overdraft Protection) – 9.90% Fixed Rate APR
Personal Loans up to 36 mo, up to 90 days 11.00% APR, 10.90% APR
Mortgage Loans Term Rates as low as *
First Mortgage Refinance & Purchase 15 years – 20 years 6.50% – 6.75%
Fixed 2nd Lien Home Equity 15 years 7.00%

*The APR (Annual Percentage Rate) may be as low as indicated. A member’s rate is determined by a credit report. Consult a DCTFCU loan officer for details.

Savings and Investment Rates

Effective January 25, 2024

Shares/Savings APY*
Shares .05%
Christmas Club Accounts / Special Savings .025%
Investments APY*
Coverdell Education Savings (formerly Education IRA) (variable rate) 1.0%
Christmas Club Accounts / Special Savings .30%
Ultimate ($10,000 – 24,999 balance) (variable rate) .10%
Ultimate ($25,000 – 49,999 balance) (variable rate) .10%
Ultimate ($50,000 – 74,999 balance) (variable rate) .15%
Ultimate ($75,000 – & up balance) (variable rate) .20%
Regular Certificates** APY*
91 Days .05%
182 Days .05%***
12 Months .10%
18 Months .20%
24 Months .20%
36 Months .30%
48 Months .30%
Roth & Traditional IRA Certificates** APY*
12 Months .10%
18 Months .20%
24 Months .20%
36 Months .30%
48 Months .30%

***SPECIAL CD RATES: existing members only
6 months – 4.00 APY*/3.94% APR*

* APY – Annual Percentage Yield. Rates subject to change. Call for current rates.

** Early withdrawal penalty applies. $500 minimum deposit and balance required.

Fee Schedule

Effective May 16, 2023

Checking Accounts –
Cashiers Check $4.00
Wire Out Transfer Fee $15.00
Incoming Wire Fee $5.00
Check Order Varies
Check Copy / Research, (includes Cashiers Check research) $1.00/item
Annual Inactivity Fee $20.00
Stop Payment Order (on us) $30.00
Stop Payment Order (lost or stolen Cashiers Check) $30.00
Stop Payment Release $5.00
Temporary / Starter Checks $5.00/4
Courtesy Protection Fee $30.00
Debit & Credit Cards –
Debit Card Replacement/Reissue Fee $6.00
Mailed Replacement, Instant Issue Replacement $10.00
Debit Card PIN replacement $2.00
Garnishment / Levy / BU withholding $20.00
NSF Fee for Returned Item /(Each time item presents insufficient) $30.00
Overdraft Fee for Paid Item $30.00
Prepaid Cards Fees Vary
Returned Unpaid Items $10.00 ($20/day maximum)
External Card Cash Advance Fee $3.00
Message Pay Fee $4.99
Withdrawal Fees –
Ultimate Account (in excess of 3 per month) $25.00
Christmas Club Account (Jan 1 – Sep 30) $5.00
IRA Rollover/transfer to another institution or early withdrawal resulting in the closing of the IRA Share Certificate (early withdrawal) $30.00
Share & IRA Certificates –
Early Withdrawal $20.00
90-Day, 182-Day, 12 months 60 days loss of interest
18 month thru 48 month 120 days loss of interest
Account Services –
Early Withdrawal $1.00/month
Account Research $5.00/hour ($2.00 minimum)
Statement Reconciliation $10.00/hour
Safety Deposit Boxes –
Annual Fee (3×5) $15.00
Annual Fee (5×5) $20.00
Key Replacement $25.00
Drilling Fee Invoice + $10.00